Yes, I have gotten lax on the $5 and $10s on our accounts. I don't strive to maximize interest on every dime. I should but I'm Lazy. As I said, I have two kids in college, and it not unusual for my son to call and say my tuition is due tomorrow. (Ya, I know I should fix that instead of padding my checking accounts.)
Also my bank is a problem, I can have Vanguard do a transfer and I can't access that money for 7 days. So, it helps to have a cushion.
My son's tuition is somewhat minor at about $2,500 and can come near the same time his $1,000 rent is due, so again a cushion.
My daughters tuition is $28k twice a year and another $10k for tools, so three withdrawals a year.
I'm just trying to get this all smoothed out while triggering minimal taxes.